I've just sent the certificate to the three main agencies today and I am hoping they will update my credit file... If I entered my IVA after the default accounts and they should mark as 'Satisfied' is that correct ? For example; My account default in 2007 and 2008, and my IVA started in 2010 would i...

Hi there, I hope you can answer me the following questions.

I've just finished my IVA and received the certificate last month.

In order to have a clear picture of my financial statue and I've requested my credit report from the three main credit agents, Callcredit, Equifax and Experian.

My question is, do I need to send my IVA completion certificate to them to update my default accounts to satisfied ?

I understand that the default accounts will come off automatically after six years.

Also I have a CCJ showing as “ACTIVEâ€￾ on my credit reports and what it mean by that, would that mean there is a impact when I applied credit or mortgage in the future ?

Again do I need to send the certificate to the High Court to be updated ?

I want to improve my credit rating and it seem I am not going anyway without your help and advices.

Thank you.

Hi there, is CCJ ( County Court Judgement ) link to my IVA ? I've settle my IVA and received the certificate but why is still showing ACTIVE on the credit agents ? I understand it stay to my credit file for six years. Do i need to do anything about it or send a copy of the certificate to the court t...

I've settle my IVA final payment back in February 2012, three years early. I am still waiting for my certificate to arrive. My question is am I eligible to apply for a finance at this stage ? I am planning to buy a Motorcycle ? Will I get rejected ? I enter my IVA with my partner as a joint debts an...

I am not too sure our IVA is interlocking... But we mean to finish our Final payment by January 2015. I was fortunate to settle mine earlier than 2015. And he still making monthly payment for his. Also I did some searched on my credit rating and it said I am financial associated with my partner name.

Hi there, I have two questions here. 1st, I've settle my final IVA payment back in February 2012, and I am still waiting for my certificate. My question is am I eligible to apply for financial at this stage ? I am planning to buy a Motorcycle ? 2nd, I enter my IVA with my partner as a joint debt and...